The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$66,499
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,568
−HK$2,101/mo
Today · 4.125%
HK$70,669
baseline
▲ 0.50% · 4.625%
HK$74,969
+HK$4,300/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$141,338/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,980
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,964
−HK$2,012/mo
Today · 4.125%
HK$77,976
baseline
▲ 0.50% · 4.625%
HK$82,087
+HK$4,111/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$155,952/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,799
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,281
−HK$2,522/mo
Today · 4.125%
HK$84,803
baseline
▲ 0.50% · 4.625%
HK$89,963
+HK$5,160/mo
Deposit HK$11.67M · loan HK$17.50M · min. income ≈ HK$169,606/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,239,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,775
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,156
−HK$2,416/mo
Today · 4.125%
HK$93,572
baseline
▲ 0.50% · 4.625%
HK$98,504
+HK$4,932/mo
Deposit HK$11.67M · loan HK$17.50M · min. income ≈ HK$187,144/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,239,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,099
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$95,995
−HK$2,942/mo
Today · 4.125%
HK$98,937
baseline
▲ 0.50% · 4.625%
HK$104,957
+HK$6,020/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$197,874/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,571
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$106,349
−HK$2,818/mo
Today · 4.125%
HK$109,167
baseline
▲ 0.50% · 4.625%
HK$114,921
+HK$5,754/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$218,334/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,698
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$123,422
−HK$3,782/mo
Today · 4.125%
HK$127,204
baseline
▲ 0.50% · 4.625%
HK$134,945
+HK$7,741/mo
Deposit HK$2.92M · loan HK$26.25M · min. income ≈ HK$254,408/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,163
−HK$7,195/mo
▼ 0.25% · 3.875%
HK$136,735
−HK$3,623/mo
Today · 4.125%
HK$140,358
baseline
▲ 0.50% · 4.625%
HK$147,756
+HK$7,398/mo
Deposit HK$2.92M · loan HK$26.25M · min. income ≈ HK$280,716/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,427 · Scale 2, in force from 26 Feb 2026)